Staff Credit Risk Analyst

November 19

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Monzo Bank

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Banking • Fintech • B2C

Monzo Bank is a digital bank based in the UK, known for its innovative app offering a wide range of personal banking services. It provides features such as fee-free spending abroad, automatic bill sorting, early salary payments, and round-up savings. Monzo offers various account types, including joint accounts, under 16s accounts, and savings pots with competitive interest rates. Customers can manage savings, investments, and pensions directly through the app, along with credit and loan options. Monzo emphasizes strong security features and customer support, making banking easy and accessible for its users.

1001 - 5000 employees

Founded 2015

🏦 Banking

💳 Fintech

👥 B2C

📋 Description

• Lead on strategically important problems, applying judgement in areas of organisational or technical complexity. • Act as a role model within Data, contributing to discipline-level strategy and sponsoring data-wide projects • Share expertise generously, mentoring colleagues to build their skills and understanding, while contributing to the growth and development of the team • Work closely with Flex squad leadership to develop and execute an ambitious growth strategy for Flex • Lead and coach others to develop credit and pricing strategies for our growing range of Flex products and distribution channels • Collaborate with people from engineering, marketing, product, risk and control to design and deliver new products, features and customer journeys • Collaborate with the machine learning team to maximise value from our internal and external data through cutting-edge ML models • Promote a culture of proactive, high quality analysis and provide thought leadership to drive forward our vision of building a best in class credit function

🎯 Requirements

• You have extensive experience in unsecured lending, ideally including credit cards • You have a deep understanding of lending economics and have experience developing and deploying underwriting strategies and credit models. • You have very strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus. • You have a strong understanding of the regulations that apply to lending in the UK. • You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers • You are a strong communicator, able to cut through complex problems and articulate decision points, particularly to senior leadership. • You have experience in project management and coordination across teams. • You have a track record of upskilling others through technical coaching • You are highly motivated and energised by the idea of bringing a positive impact to our customers and Monzo.

🏖️ Benefits

• ✈️ We can help you relocate to the UK • ✅ We can sponsor visas • 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). • ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. • 📚Learning budget of £1,000 a year for books, training courses and conferences • ➕And much more, see our full list of benefits here